I've had a HELOC with them since 2009 and the rate has been the same 3.49%. Annual fee is $50. I set up automatic payment and don't need to deal wsith my monthly payment except get monthly email from them my account is paid. I am very satified with them.
I was not qualified, and cannot understand why. I have no mortgage, few bills other than utility bills. I will re apply soon and if turned down will question as to why. I have checking/savings accounts with them with combined balances exceeding required amounts to qualify for $10 each account monthly.
The worst loan ever!!!!!!!! They ripped me off just like the banks ripped off home owners. From the start they deducted money from checking account automatic and said we were late taking $400 a month payments with $5 going towards the principle for 8 years. Someone from that compay should be going to jail.
Stay away from PNC , had a house loan with them for 5 years and needed to refinance from a 15 yr to a 30 year , same bank same loan same people. Said I didn't qualify for the loan, WTF ?????? Wouldn't work with us, stole our house legally. They have no morals . Since then I have built a home out of pocket . It's smaller but paid for. PNC took bail out money and my home for free. Only Americans do this to people. I'll never use a lender again. If I can't pay cash then I don't need it .
You'd think I'd have learned from my first miserable, 16-week experience, but NO!, I had to torture myself again. "3-4 weeks to close" they said. "Here's the list of docs you'll need" they said. Hah! 6 weeks of "Just one more doc", finger pointing between the branch and Income Verification, and now sitting in Underwriting for Week 2 with zero communication.
If you're in a hurry forget it. If you love to copy or scan dozens of pages of documents, and make all the follow-up calls, then this is the game for you! Nice people, but severely broken processes. Week 8 and still not closed, with no end in sight...
Number one hardship terms is only temporary to get you though the hardship. Most only go 3x max and yes it goes back to the orignal terms.
2 when you get a revolving line of credit and max it and only pay min due every month you will pay till you die. You have to pay more then what's due otherwise your only paying interest every month. Da
I had an auto loan from them and even making payments on time they would still call and pester me about payments all the time. I had to take a block all MILLIONS of their numbers. Their customer service is horrible. If you get someone its an indian and you can't understand them. Their payments, if you give them your bank account info are withdrawn earlier and earlier each month. After the second year I figured out that I had made a whole extra payment because they were shaving a few days off each month. So the first month it would be due the 15th then next month the 11th then the next the 6, etc. After 2 years I added up all the payments and I had made 25 payments in 2 years. What a sham! They are a horrible company and I am GLAD to be rid of them. I had to pay the loan off early, 3 years early to get them to quit with the harassment. Hope this company goes under...
I'm unhappy they I have to get them 1 star, this company gets NONE!
Unlike others, the process to get this set up was fine. No issues.
However, i was paying using online bill pay from my bank. Two straight payments were applied wrong, for way less than what I sent. It got fixed quickly, but required phones calls and faxing info to WF to prove that $xxx was withdrawn from my bank. Before these two payments, everthing was perfect for years.
I don't need to spend an hour for every payment on the phone with WF and creating and faxing proof to them. Needless to say, after experiencing two straight payment issues (which I attribute to WF, as all other payments from by bank were/are fine), I gave up paying that way and moved to allowing WF to withdraw from my checking.
So, Now, payments get applied quickly and for the correct amount BUT...
I am limited to 5 payments scheduled in 30 days. I scheduled 3 future payments and also 2 unplanned principle payments over a 30 day period. Now, I am unable to schedule more future payment and I am not allow to schedule extra unplanned payments to principal, either. The site won't even let me modify a scheduled payment to add more $$ to it.
In short I cannot use the WF website to PAY my HELOC!
-I can't pay via check from my bank because WF can't apply payments correctly.
-I can't pay by the website because they won't let me make any more payments!
If i could, I'd ditch this HELOC and go with someone who doesn't restrict when I can pay, and can apply payments correctly. This is way harder than it should be.
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